Next to the expense savings, we benefited again from somewhat lower travel and marketing expenses due to the impact of the COVID-19 pandemic. These benefits have started to fall considerably compared with previous quarters, and we expect them to go to zero over time.

Feb 9, 2022 / receipt, needs a key / Matt Ryder, CFO | earnings call 2022-02-09 | transcript d8a76dd2-cb17-4f0b-b46f-63f51fb491ba | chars 16196-16463 | segment 16

Next to the expense savings, we benefited again from lower travel and marketing activities due to the impact of the COVID-19 pandemic. These benefits have started to fall compared with previous quarters, and we expect them to go to zero over time.

Nov 11, 2021 / receipt, needs a key / Matt Ryder, CFO | earnings call 2021-11-11 | transcript 1a077dd7-bf8b-4225-805e-0a903041d39b | chars 15458-15705 | segment 16

Expenses in this quarter again benefited from lower travel and marketing activities due to the impact of the COVID-19 pandemic. We expect these benefits to reverse over time.

Aug 12, 2021 / receipt, needs a key / Matt Ryder, CFO | earnings call 2021-08-12 | transcript 47941d81-f883-4464-a46a-f697c2f41b6e | chars 21412-21586 | segment 22

In addition, expenses benefited from reduced travel, marketing and other spend due to the COVID-19 pandemic. We expect this to reverse once vaccines are rolled out and restrictions are lifted in the countries that we operate in.

Feb 11, 2021 / receipt, needs a key / Lars Wiese, CEO | earnings call 2021-02-11 | transcript 6edebe2f-c109-4a9d-bdc8-0c2a9f26fcf7 | chars 4415-4643 | segment 4

We are offering information and guidance on, for example, travel and medical insurance to affected customers.

May 12, 2020 / receipt, needs a key / Matt Ryder, CFO | earnings call 2020-05-12 | transcript b464795e-7c01-4391-b6ba-d5cbdcca28e1 | chars 2475-2584 | segment 2